1. Personal credit report includes personal identity information, credit transaction information and personal non-bank information. Personal information includes basic personal information, residence information and occupation information. Credit transaction information includes credit card, loan, loan guarantee information for others, etc. Personal non-bank information includes personal housing accumulation fund information, personal endowment insurance information, personal telecom payment information, etc.
2. Once there are negative records (such as overdue repayment of credit cards), the personal credit report objectively shows the repayment history and pays off the debts. The personal credit report will show the records, but the negative records such as overdue repayment cannot be deleted or modified before the actual occurrence.
Extended data
According to Article 16 of the Regulations on the Administration of Credit Information Industry, the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident, and it will be deleted after more than 5 years.
The five-year threshold here is from the date when the bad behavior or event ends, not from the date when the bad behavior occurs. In other words, a loan is overdue and cannot be deleted until the debt is paid off after five years, instead of being automatically deleted after five years from the overdue.
When the information in the personal credit report is wrong, there are two ways to deal with it: first, bring the original and photocopy of valid identity documents and personal credit report to the local branch of the People's Bank of China to submit an objection application; Or directly contact the bank that handles banking business.
The Credit Information Center of China People's Bank and the bank handling the business will immediately verify and correct the wrong information after receiving the objection application, and give a reply within 20 days.
References:
Baidu Encyclopedia-Personal Credit Information
Baidu Encyclopedia-Negative Credit Records